Partner works but struggling to get by because of me.

lolls89

rogerblack wrote: »

If I understand the facts right, there is no point in applying for ESA.
Because you do not have enough contributions and your husbands income is too high, you will not be paid.
If the child benefit is paid to you (or is transferred over to be paid to you), then your pension contributions will be paid by that.

Thanks for your reply.
The child benefit is payed to me.
I don't think I would qualify for ESA but the poster mentioned the PIP.

sheramber

outoffunds wrote: »

Blondebubbles is right only tax is deducted by the contractor not national insurance, the sub contractor has to pay their own NI.

Class 4 nic due is calculated along with tax due per self assessment and the amount deducted by the contractor is set off against the total liability of both tax and nic.

xylophone

No, to be honest i've never heard of one.

Some information here http://www.nhs.uk/Livewell/Pain/Pages/Longtermpain.aspx

Re SOA, try budget planner here http://www.moneysavingexpert.com/family/money-help

And find out about any help the Job centre can give regarding job hunting when you have a disability.

lolls89

I have done an SOA with what debts I can find.

Statement of Affairs and Personal Balance Sheet

Household Information
Number of adults in household........... 2
Number of children in household......... 1
Number of cars owned.................... 1

Monthly Income Details
Monthly income after tax................ 2177
Partners monthly income after tax....... 0
Benefits................................ 200
Other income............................ 0
Total monthly income.................... 2377

Monthly Expense Details
Mortgage................................ 346.5
Secured/HP loan repayments.............. 0
Rent.................................... 0
Management charge (leasehold property).. 0
Council tax............................. 125
Electricity............................. 62
Gas..................................... 53
Oil..................................... 0
Water rates............................. 35.26
Telephone (land line)................... 0
Mobile phone............................ 76
TV Licence.............................. 12.18
Satellite/Cable TV...................... 50
Internet Services....................... 0
Groceries etc. ......................... 260
Clothing................................ 0
Petrol/diesel........................... 87
Road tax................................ 230
Car Insurance........................... 66
Car maintenance (including MOT)......... 0
Car parking............................. 0
Other travel............................ 30
Childcare/nursery....................... 0
Other child related expenses............ 0
Medical (prescriptions, dentist etc).... 0
Pet insurance/vet bills................. 0
Buildings insurance..................... 13.46
Contents insurance...................... 0
Life assurance ......................... 12.62
Other insurance......................... 0
Presents (birthday, christmas etc)...... 0
Haircuts................................ 0
Entertainment........................... 0
Holiday................................. 0
Emergency fund.......................... 0
NI repayments........................... 68
NI...................................... 10.6
Total monthly expenses.................. 1537.62


Assets
Cash.................................... 0
House value (Gross)..................... 90000
Shares and bonds........................ 0
Car(s).................................. 1995
Other assets............................ 0
Total Assets............................ 91995


Secured & HP Debts
Description....................Debt......Monthly...APR
Mortgage...................... 70828.4..(346.5)....0
Total secured & HP debts...... 70828.4...-.........-

Unsecured Debts
Description....................Debt......Monthly...APR
Barclaycard....................0.........25........0
Home shopping..................0.........20........0
Nationwide.....................0.........20........0
Water..........................352.42....0.........0
Mum............................3000......200.......0
Gas and Electric...............942.88....0.........0
Debt recovery..................0.........216.7.....0
Car Loan.......................0.........390.......0
Wescot Credit..................0.........200.......0
Total unsecured debts..........4295.3....1071.7....-


Monthly Budget Summary
Total monthly income.................... 2,377
Expenses (including HP & secured debts). 1,537.62
Available for debt repayments........... 839.38
Monthly UNsecured debt repayments....... 1,071.7
Amount short for making debt repayments. -232.32

Personal Balance Sheet Summary
Total assets (things you own)........... 91,995
Total HP & Secured debt................. -70,828.4
Total Unsecured debt.................... -4,295.3
Net Assets.............................. 16,871.3

Created using the SOA calculator at .
Reproduced on Moneysavingexpert with permission, using other browser.

Indie_Kid

Have you posted the above on the Debt Free Wannabe board?

lolls89

Indie_Kid wrote: »

Have you posted the above on the Debt Free Wannabe board?

No, I'll go find that now. I'm still finding my way around the boards.

nannytone_2

so your mpnthly income is £2377 and your outgoings, including mortgage is $1537...
why are you struggling?

toy wont get benefit to help you to repay money you owe your mother!

lazer

Is your husband claiming all his allowable expenses on the SA form?


My husband, is also in the building industry working under CIS, and he generally gets a refund of £2k - £3k each year, as the 20% deduction is taken off all income and doesn't allow to travel costs etc.


This refund could be used to repay some of your debts.


In terms of your SOA - the debt section doesn't really make sense, you have included the minimum repayments but not the actual debt amount.


In terms of the car - it is only worth £2k but repayments are £390 a month - is that right?

Helpmeoutofthismess

lolls89 wrote: »

I have done an SOA with what debts I can find.

Statement of Affairs and Personal Balance Sheet

Household Information
Number of adults in household........... 2
Number of children in household......... 1
Number of cars owned.................... 1

Monthly Income Details
Monthly income after tax................ 2177
Partners monthly income after tax....... 0
Benefits................................ 200
Other income............................ 0
Total monthly income.................... 2377

Monthly Expense Details
Mortgage................................ 346.5
Secured/HP loan repayments.............. 0
Rent.................................... 0
Management charge (leasehold property).. 0
Council tax............................. 125
Electricity............................. 62
Gas..................................... 53
Oil..................................... 0
Water rates............................. 35.26
Telephone (land line)................... 0
Mobile phone............................ 76
TV Licence.............................. 12.18
Satellite/Cable TV...................... 50
Internet Services....................... 0
Groceries etc. ......................... 260
Clothing................................ 0
Petrol/diesel........................... 87
Road tax................................ 230 this must be a mistake?&
Car Insurance........................... 66
Car maintenance (including MOT)......... 0
Car parking............................. 0
Other travel............................ 30
Childcare/nursery....................... 0
Other child related expenses............ 0
Medical (prescriptions, dentist etc).... 0
Pet insurance/vet bills................. 0
Buildings insurance..................... 13.46
Contents insurance...................... 0
Life assurance ......................... 12.62
Other insurance......................... 0
Presents (birthday, christmas etc)...... 0
Haircuts................................ 0
Entertainment........................... 0
Holiday................................. 0
Emergency fund.......................... 0
NI repayments........................... 68
NI...................................... 10.6
Total monthly expenses.................. 1537.62


Assets
Cash.................................... 0
House value (Gross)..................... 90000
Shares and bonds........................ 0
Car(s).................................. 1995
Other assets............................ 0
Total Assets............................ 91995


Secured & HP Debts
Description....................Debt......Monthly...APR
Mortgage...................... 70828.4..(346.5)....0
Total secured & HP debts...... 70828.4...-.........-

Unsecured Debts
Description....................Debt......Monthly...APR
Barclaycard....................0.........25........0
Home shopping..................0.........20........0
Nationwide.....................0.........20........0
Water..........................352.42....0.........0
Mum............................3000......200.......0
Gas and Electric...............942.88....0.........0
Debt recovery..................0.........216.7.....0
Car Loan.......................0.........390.......0
Wescot Credit..................0.........200.......0
Total unsecured debts..........4295.3....1071.7....-


Monthly Budget Summary
Total monthly income.................... 2,377
Expenses (including HP & secured debts). 1,537.62
Available for debt repayments........... 839.38
Monthly UNsecured debt repayments....... 1,071.7
Amount short for making debt repayments. -232.32

Personal Balance Sheet Summary
Total assets (things you own)........... 91,995
Total HP & Secured debt................. -70,828.4
Total Unsecured debt.................... -4,295.3
Net Assets.............................. 16,871.3

Created using the SOA calculator at .
Reproduced on Moneysavingexpert with permission, using other browser.

Hi, hopefully your deficit won't be so much if your road tax figure is a mistake, would your mum be able to give you a bit longer to pay while you get back on your feet?

H x

FBaby

I'm surprised that on that income, you are still entitled to tax credits for 1 child with no childcare. Are you sure that is correct?